Financial Choices Matter

Most retirees take their required minimum distributions (RMDs) in cash without realizing there's another option that might offer more long-term value. In this episode, Charles highlights a lesser-known strategy: taking RMDs “in-kind” by moving stocks or mutual funds from a retirement account into a taxable account, without actually selling anything. It’s a tactical move that creates a new cost basis and may reduce future tax exposure. Tune in as we cover how the strategy works, how it compares to a Roth conversion in down markets, and who’s best positioned to use it. Plus more!   Here’s some of what we discuss in this episode: